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Property Type: Condo / ApartmentOwnership: Condominium
601 - 150 WATER STREET N
Cambridge, ON N1R0B5
MLS® X13870248
$349,900
1 bed1 bath2 parking
Amenities
GymVisitor Parking
Also listed: Storage - Locker, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
C1RM1
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $639/mo
- Annual property tax
- $3,644.35 (2026)
Maintenance Fee Includes
WaterHeat
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
Description
WELCOME TO 150 WATER STREET NORTH UNIT 601! This desirable condo is in the heart of downtown Cambridge along the Grand River. Step into the modern, open concept layout, featuring a high-end kitchen with granite counters, stainless steel appliances (Dishwasher: 2026, Fridge: 2024, Stove: 2024), and spacious breakfast bar. The stylish living room includes a rustic accent wall with a walkout to the balcony with views of the Grand River. Just off of the living room is your master bedroom with a large floor to ceiling window allowing for lots of natural light. The condo also offers a bright 4 piece bathroom and in-suite laundry. Unit includes 1 Underground Parking Space & 1 Surface Parking Space (Currently being rented out). The building amenities include an exercise room, party room and visitor parking. Nestled near the vibrant Gaslight District, charming restaurants, and the Mill of Cambridge, you'll also have immediate access to the scenic waterfront trail which leads to the Paris trail system. Within minutes to the city core of Galt, schools, shopping, restaurants and much more for you to enjoy! Don't miss this opportunity. Book your showing today! (id:63159)
Listing Information
- MLS®
- X13870248
- Tax assessment year
- 2026
- Data last synced
- October 9, 2026
Red And White Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Red And White Realty Inc
MLS® Number: X13870248
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of OnePoint Association of REALTORS®.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$480/sqft
81 active listing(s)
Parking: 2 stall(s) includedStorage locker: Included
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($17,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$279,920.00
Periodic payment — Principal & Interest (monthly)$1,805.95
Additional monthly expenses (condo fees, tax, utilities, etc.)$942.51
Total monthly cost$2,748.45
Interest paid over 5-yr term$80,225.88
Balance at end of term$251,788.95
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$17,495
Stress test qualifying rate8.19%
Payment you must qualify for$2,577.38
Cash Needed at Closing
Minimum down payment$17,495
Estimated Land Transfer Tax (LTT)$3,724
Legal / closing costs (typical estimate)$1,500
Total cash needed$22,719
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
